Established in 1995, Home & Legacy is one of the leading providers of high net worth insurance in the UK. We are best known for providing high value household insurance, bespoke motor, landlord insurance, worldwide travel and building works insurance. What’s more, with options for non standard, thatch, second homes, overseas properties, yachts and pleasure craft, we have solutions for all your clients’ needs. Our experienced advisors are dedicated to providing a first-class service. And if it becomes necessary to make a claim, our in-house team handles this to the highest standards. youTalk-insurance is sharing Home & Legacy insurance news and video.
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Home & Legacy - Low winter sun – A very real fire risk (video)
Watch Tom Sims, Home & Legacy, Claims Manager talking about the the very real risk of house fires caused by the rays of the low winter sun. The video includes some useful risk management tips for home owners.
YOUTALK-INSURANCE VIDEO TRANSCRIPT
Low winter sun – a very real fire risk
I’m Tom Sims, Home & Legacy Claims Manager.
As we’re approaching winter, we want to make our brokers and customers aware of the very real risk of house fires caused by the rays of the low winter sun.
The sun can shine through a home’s windows and be magnified by glass objects like crystal ornaments, vases and mirrors, to the extent that it can cause material furnishings to catch fire. It might sound far-fetched but as a household insurance provider, we’ve dealt with a number of claims caused by the sun rays – with devastating effects to our policyholders and their families. I can assure you, this is no urban myth – the risk is real.
With that in mind:
- Keep glass out of direct sunlight – at any time of year, but particularly when the sun is low in the sky. That’s vases, crystal ornaments, jars, bottles, mirrors – spend time checking for risks in your home. A lot of people have their dressing table in the bedroom window with a vanity mirror on it. It might seem harmless enough but I’ve seen devastating, total loss house fires caused by this very situation.
- Make sure smoke alarms are fitted on every floor of your home. If you live in a large house, place more than one on every floor. Check your smoke alarms monthly; make sure the batteries do not run flat.
- If you do have a fire – close the door on the blaze, get out, stay out and call 999
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